Katy builders often offer a rate buydown instead of a price cut. Here's the payment and loan-balance math on a $400,000 new build at 7.00%, and the six-year break-even that decides which saves you more.

Wondering whether renting or buying a home in Katy, TX makes more sense right now? This post breaks down real 2026 costs for both options — rent prices, monthly mortgage estimates, equity math, and the market conditions shaping the decision today.

Buying a home in Katy, TX in 2026 doesn't have to mean overpaying. With a median sale price around $328,000 and more negotiating room than in recent years, prepared buyers are in a strong position. Here's what you need to know before you make an offer.